How to Stop Harassment from Arc Europe Ltd Debt Collection

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What to Do if Arc Europe Ltd Debt Collection Harasses You

Debts are a normal part of life. When they become overdue, the creditors must ensure they collect their money. Most creditors hire debt collectors or sell off the loans to the collection agencies at a discounted rate.

Are you getting calls from Arc Europe debt collection? Read on to find out how you can use DoNotPay to make them stop harassing you.

Who is 01932 251 000, and Why Are They Calling Me?

The number 01932 251 000 belongs to Arc Europe Limited, a private limited company based in the UK. Arc Europe collects debts for various companies like LA Fitness, Quickquid, David Lloyd, LV Insurance, etc. The company is famous for purchasing debts at a low price from companies and collecting it to make a profit. To this end may call you to:

  • Collect payment
  • Validate the debt: People have similar names, so they may call to validate the debt by confirming if you are the owner
  • Intimidate you into paying

When a debt collector calls you, it is tempting to ignore them. However, it is much safer for you to deal with the issue. The company will continue giving credit report companies negative information about you, lowering your credit report. If you completely ignore the debt collectors, they might sue you. Unfortunately, you might lose property equivalent to the debt if a court passes judgement against you.

Arc Europe Contact details

If you wish to dispute a debt with or to discuss a payment plan, you can contact them via:

Phone01932 251 000
Postal MailARC (Europe) Limited

Kent House

Churchfield Road


Surrey KT12 2TU

Is Arc Europe a Scam?

No, is not a scam. Arc Europe is a debt purchase and recovery business that operates across various sectors. The company is regulated and authorised by the FCA (Financial Conduct Authority) and has a turnover of under ten million pounds per year.

When a debt collection service calls you, stay calm and do some investigation. Ask the collectors to send you a "Prove it" or debt validation letter. Do not provide them with any information before you receive the letter. Review the validation letter and confirm the original debtor, how much you owe, how you acquired the debt, and the collector's identity. Ask the collector for their operating licence and call the original creditor for confirmation.

Has Arc Europe Violated My Rights?

FCA rules bind Arc Europe, and if they do the following, they have violated your rights:

  • Visits or enters your home/property
  • Contact you via social media like Facebook, Instagram, etc.
  • Threaten you with legal threats
  • State that not paying your debt is criminal
  • Contact you numerous times in a day
  • Threaten you verbally or physically
  • Claim that they are bailiffs
  • Talk to other people about your debt
  • Not inform you they bought your debt from your original creditor
  • Call you at odd hours, such as early in the morning or late at night

Alternative Ways to Resolve Customer Service Complaints

You have alternatives other than court if you cannot agree with the debt collector on a disputed debt.

  1. Alternative Dispute Resolution (ADR) Schemes

With ADR schemes, consumers and organisations can resolve issues outside a courtroom. The two types of ADR are:

  • Arbitration: A third party looks at the facts and makes a judgement, binding both or one of the parties
  • Mediation: A third party comes in to help the consumer and company conclude the case where both sides benefit
  1. Financial Ombudsman

The financial Ombudsman probes any consumer complaint against an organisation, both private and public. The is independent and unbiased. Before reporting, you should ensure you have satisfied two things:

  • That you contacted Arc Europe, waited for eight weeks, and got no response
  • Arc Europe responded, and you both tried to reach an agreement, but it didn't work. Arc Europe should send you a Deadlock letter acknowledging you reached a deadlock in the matter when this happens.

The financial Ombudsman should contact you within ten days. Some of the reasons you can report Arc Europe include:

  • You do not recognize the debt, and Arc Europe won't stop harassing you
  • You acknowledge you have a debt, but not the amount they are asking for
  • The company is relentless and harasses you all the time
  • You have financial problems, and Arc Europe won't give you some time
  • The debt is over six years old. The Limitations Act 1980 provides a creditor with six years to collect a debt.
  1. Small Claims Court

Take Arc Europe to a small claims court. The maximum amount a small claims court handles in the UK is ten thousand pounds.

How to Make a Payment to Arc Europe Debt Collection

If you acknowledge you have a debt with Arc Europe and would like to pay, here is how. Remember to add the reference number on the letter they send you for proper crediting.

  • Pay Via card

Log into your account and make a one-off payment via your credit card. You can also set up an affordable payment plan here.

  • Pay via Direct Debit

Authorise your building society or bank to pay Arc Europe a pre-arranged amount every month on a pre-agreed date. Log in here to pay via direct debit.

  • Pay via Barclays

You can pay at any Barclays branch via cheque or cash if you have:

  • A Barclays debit card
  • Pre-printed slip on the reverse of their letters. Remember to include your reference number on the slip.
  • Internet Banking

Set up a standing order with your UK bank using Arc Europe's Barclays Bank account

  • Send a Postal Order or Cheque

Post your postal order or cheque payable to ARC Europe Limited to:

ARC (Europe) Ltd,

Kent House

Churchfield Road



KT12 2TU

Write your reference number and name at the back of the postal order or cheque.

Get Debt Collection Assistance From DoNotPay

DoNotPay can help determine whether the debt Arc Europe is demanding is legit. If you decide to go with the alternative methods, we assist you in deciding whether Arc Europe has followed the law when demanding payment. You must answer a few questions before we help you move to the next phase. We’ll contact Arc Europe by sending them a demand letter. DoNotPay files complaints about the company on your behalf. Here is how it works:

  1. Search for "debt collection" on DoNotPay website.

  2. Answer a few questions about O2, such as when and how they made their first contact. This helps to see if they violated the debt collection codes.

  3. Decide what to do based on our guidelines, such as demanding O2 to stop contacting you, filing a debt verification request, or reporting the company to a trade association.

And you’re done! Now spend some more time on DoNotPay to see other ways it can fix your finances.

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